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Fee Schedule

This page outlines all fees charged by Lendasat for our services. All fees are transparent and charged only under specific circumstances.

Origination Fee​

Rate: 1.5% of the loan amount

When Charged: The origination fee is charged once when the loan is either repaid or liquidated.

Applied To: The total loan amount (principal), not the collateral value. The fee is calculated based on the Bitcoin price at the time of origination.

How It Works:

  • If you repay the loan in full and claim your collateral, the fee is deducted from the collateral before the remaining amount is returned to you.
  • If the collateral is liquidated due to non-repayment or LTV threshold breach, the fee is deducted from the proceeds of the liquidation.
  • The fee amount in Bitcoin is determined using the Bitcoin price at origination.

Example: For a $10,000 loan, the origination fee would be $150 (1.5% of $10,000). If Bitcoin is priced at $50,000 at origination, this equals 0.003 BTC that will be deducted from your collateral.

Liquidation Fee​

Rate: Up to 5% of the collateral value at the time of liquidation

When Charged: Only when a liquidation occurs (triggered by the lender after the 90% LTV threshold is reached).

Applied To: The collateral value at the time of liquidation.

How It Works:

  • Liquidation can be triggered by the lender once the loan reaches 90% LTV.
  • The exact liquidation price depends on when the lender chooses to trigger the liquidation, which may result in a higher or lower liquidation price based on market conditions.
  • This fee is charged in addition to the origination fee.
  • The fee is up to 5% and may vary depending on the specific circumstances of the liquidation.

Example: If your collateral is worth $20,000 at the time of liquidation, the liquidation fee could be up to $1,000 (5% of $20,000), plus the origination fee.

Renewal Fee​

Rate: 0.5% of the loan amount

When Charged: When a borrower extends/renews an existing loan with the same lender.

Applied To: The total loan amount being renewed.

How It Works:

  • If you request to extend your loan past the original maturity date, a renewal fee applies.
  • The renewal must be done with the same lender and only if they have open offers available.
  • This fee is in addition to any interest charges for the extended period.

Example: For extending a $10,000 loan, the renewal fee would be $50 (0.5% of $10,000).

Additional Costs​

Please note that in addition to Lendasat fees, you may incur other costs:

  • Bitcoin network fees (mining fees): Required for Bitcoin transactions when funding collateral or receiving refunds
  • Blockchain gas fees: Required when sending stablecoins for repayment (ETH for Ethereum, POL for Polygon, SOL for Solana, etc.)
  • Interest payments: Paid to the lender as agreed in your loan contract (not a Lendasat fee)

Fee Payment Methods​

  • Origination Fee: Deducted from Bitcoin collateral
  • Liquidation Fee: Deducted from Bitcoin collateral proceeds
  • Renewal Fee: Deducted from Bitcoin collateral

Questions? Contact our support team at [email protected]

Last Updated: November 2025